CN114240331A

CN114240331A - Report generation method, report generation device, storage medium, and computer device

Info

Publication number: CN114240331A
Application number: CN202111427326.9A
Authority: CN
Inventors: 赵冬雪
Original assignee: Ant Zhixin Hangzhou Information Technology Co ltd
Current assignee: Ant Zhixin Hangzhou Information Technology Co ltd
Priority date: 2021-11-23
Filing date: 2021-11-23
Publication date: 2022-03-25

Abstract

The specification discloses a report generation method, a report generation device, a storage medium and computer equipment, wherein the method is applied to the report generation device in a credit evaluation system, the credit evaluation system further comprises a data acquisition device and a credit data server, the report generation device is respectively in communication connection with the data acquisition device and the credit data server, the report generation device and the data acquisition device are deployed in the same physical environment, and the method comprises the following steps: receiving a credit evaluation request which is sent by the data acquisition device and carries a user identifier based on a report generation application; acquiring user information corresponding to the user identification; requesting user credit data corresponding to the user identification from the credit data server; and a credit evaluation report is generated based on the user information and the user credit data, so that the generation efficiency of the credit evaluation report is improved.

Description

Report generation method, report generation device, storage medium, and computer device

Technical Field

The present specification relates to the field of data analysis, and in particular, to a report generation method, apparatus, storage medium, and computer device.

Background

With the gradual popularization of credit transactions, a user can apply for using a credit transaction to a transaction party, and in order to avoid the problem that the user loses credit in the process of using the credit transaction, the transaction party performs credit evaluation on the user applying for using the credit transaction before transacting the credit transaction for the user to generate a credit evaluation report for the user, and then judges whether to allow the user to use the credit transaction according to the credit evaluation report.

Disclosure of Invention

The present specification provides a report generation method, apparatus, storage medium, and computer device, which can solve the technical problem of how to improve the generation efficiency of a credit evaluation report.

In a first aspect, the present specification provides a report generation method applied to a report generation apparatus in a credit evaluation system, where the credit evaluation system further includes a data acquisition apparatus and a credit data server, the report generation apparatus is communicatively connected to the data acquisition apparatus and the credit data server, respectively, and the report generation apparatus and the data acquisition apparatus are deployed in the same physical environment, and the method includes:

receiving a credit evaluation request which is sent by the data acquisition device and carries a user identifier based on a report generation application;

acquiring user information corresponding to the user identification;

requesting user credit data corresponding to the user identification from the credit data server;

generating a credit assessment report based on the user information and the user credit data.

In a second aspect, the present specification provides a report generating apparatus comprising:

the receiving module is used for receiving a credit evaluation request which is sent by the data acquisition device and carries a user identifier based on a report generation application;

the acquisition module is used for acquiring the user information corresponding to the user identifier;

the request module is used for requesting the credit data server for the user credit data corresponding to the user identification;

a generating module for generating a credit evaluation report based on the user information and the user credit data.

In a third aspect, the present description provides a storage medium storing a computer program adapted to be loaded by a processor and to perform the steps of the above-described method.

In a fourth aspect, one or more embodiments of the present specification provide a computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the steps of the method described above when executing the program.

In one or more embodiments of the present disclosure, by deploying the report generation device and the data acquisition device in the same physical environment, data transmission time between the report generation device and the data acquisition device is reduced, and by acquiring user information corresponding to the user identifier, and directly sending a data request carrying the user identifier to the credit data server, so as to acquire user credit data corresponding to the user identifier, and finally, generating a credit evaluation report based on the acquired user information and the user credit data, an effect of simplifying a credit evaluation flow is achieved, and generation efficiency of the credit evaluation report is improved.

Drawings

In order to more clearly illustrate the technical solutions in the present specification or the prior art, the drawings needed for the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present specification, and other drawings can be obtained by those skilled in the art without creative efforts.

FIG. 1 is a system architecture diagram of a credit evaluation system according to one or more embodiments of the present disclosure;

FIG. 2 is a schematic flow diagram of a report generation method provided in one or more embodiments of the present disclosure;

FIG. 3 is a schematic flow diagram of a report generation method provided in one or more embodiments of the present disclosure;

FIG. 4 is a schematic flow diagram of a report generation method provided in one or more embodiments of the present disclosure;

FIG. 5 is a flow diagram of a report generation method provided in one or more embodiments of the present disclosure;

fig. 6 is a schematic structural diagram of a report generation apparatus according to one or more embodiments of the present disclosure;

fig. 7 is a schematic structural diagram of a page access apparatus according to one or more embodiments of the present disclosure;

fig. 8 is a schematic structural diagram of an electronic device provided in one or more embodiments of the present specification;

FIG. 9 is a block diagram of an operating system and user space provided by one or more embodiments of the present disclosure;

FIG. 10 is an architectural diagram of the android operating system of FIG. 8;

FIG. 11 is an architectural diagram of the IOS operating system of FIG. 8.

Detailed Description

In order to make the features and advantages of one or more embodiments of the present disclosure more apparent and understandable, the technical solutions in one or more embodiments of the present disclosure will be clearly and completely described below with reference to the drawings in one or more embodiments of the present disclosure, and it is apparent that the described embodiments are only a part of the embodiments of the one or more embodiments of the present disclosure, but not all embodiments. All other embodiments that can be derived by a person skilled in the art from one or more of the embodiments described herein without making any creative effort fall within the protection scope of one or more of the embodiments described herein.

When the following description refers to the accompanying drawings, like numbers in different drawings represent the same or similar elements unless otherwise indicated. The implementations described in the following exemplary embodiments do not represent all implementations consistent with one or more embodiments of the present specification. Rather, they are merely examples of apparatus and methods consistent with certain aspects of one or more embodiments of the specification, as detailed in the claims which follow. The flow diagrams depicted in the figures are merely exemplary and need not be performed in the order of the steps shown. For example, some steps are parallel, and there is no strict sequence relationship in logic, so the actual execution sequence is variable. In addition, the terms "first", "second", "third", "fourth", "fifth", "sixth", "seventh", "eighth" are for purposes of distinction only and should not be construed as limiting the present disclosure.

When the existing credit evaluation method is used for evaluating the credit of a user, credit data are downloaded from various credit data carriers, and then the credit of the user is artificially evaluated according to the acquired credit data. Therefore, the existing credit evaluation process is too complex and complicated to operate, the whole credit evaluation process is time-consuming and labor-consuming, even the personnel need to go to a specific credit evaluation place for evaluation, and the efficiency is low.

The credit evaluation organization provides a cloud server for generating a credit evaluation report based on the cloud server, and particularly provides a cloud server which stores a large amount of user credit data and has a credit evaluation report generation function, wherein the cloud server is used for receiving encrypted user information sent by a client, then making a cloud service decision based on the decrypted user information to acquire user credit data related to the user information, performing data processing on the user information and the related user credit data to generate a credit evaluation report based on the processed data, and finally returning the encrypted credit evaluation report to the client. Therefore, the amount of data transmitted between the cloud server and the client is large, so that certain data transmission delay and data leakage risk are caused.

In order to better improve the efficiency of generating the credit report, please refer to fig. 1, which is a system architecture diagram of a credit evaluation system provided in one or more embodiments of the present disclosure.

As shown in fig. 1, the system architecture of the credit evaluation system 1 may include a report generation apparatus 10, a data collection apparatus 20, and a credit data server 30.

The report generating device 10, the data collecting device 20, and the credit data server 30 may be various electronic devices, including but not limited to a smart phone, a tablet computer, a laptop portable computer, a desktop computer, and the like, and are not limited thereto. Alternatively, the data collection device 20 may be a data collection server cluster formed by combining a plurality of service terminals, and the credit data server 30 may be a cloud credit data server cluster formed by combining a plurality of cloud servers.

The report generating device 10 is connected with the data collecting device 20 in a communication mode, the report generating device 10 and the data collecting device 20 are deployed in the same physical environment, and the report generating device 10 is further connected with the credit data server 30 in a communication mode through a network special line 40 and a physical special line 50 on the cloud.

The data acquisition device 20 is used for acquiring user information of a user to be credit-evaluated, generating a credit evaluation request based on the user information, and then sending the credit evaluation request to the report generation device 10 in the same physical environment.

The user 60 may input the user information of the user 60 into the data collection device 20, or the user information of the user 60 may be transmitted to the data collection device 20 through the terminal device of the user 60, so that the data collection device 20 obtains the user information of the user to be assessed for credit.

The report generating device 10 is configured to obtain the user identifier and the user information carried in the credit evaluation request, generate a credit data request based on the user identifier, and send the credit data request to the credit data server 30 through the network private line 40 and/or the physical private line 50 on the cloud to request the credit data server 30 for the user credit data of the user to be credit evaluated.

The credit data server 30 is configured to obtain the user credit data matching the credit data request, and return the user credit data to the report generating device 10 through the network line 40 and/or the physical line 50 on the cloud.

The report generating device 10 is used for processing the user information and the user credit data, generating a credit evaluation report, and sending the credit evaluation report to the data collecting device 20. The data collection device 20 receives the credit evaluation report and outputs the credit evaluation report.

It should be noted that the credit data server 30 may also be connected to the terminal device of the user 60 to collect the credit data generated by the terminal device of the user 60. The user 60 may be a small and medium-sized micro enterprise, a natural person, an individual industrial and commercial enterprise, etc. with operation capability.

It should be understood that the number of the report generating devices, the data collecting devices, the credit data servers, the network lines on the cloud, and the physical lines in fig. 1 is only illustrative, and any number of the report generating devices, the data collecting devices, the credit data servers, the network lines on the cloud, and the physical lines may be used according to the implementation requirement.

The report generation method provided in one or more embodiments of the present disclosure will be described in detail below with reference to fig. 2 to 5.

Referring to fig. 2, a flow diagram of a report generation method is provided for one or more embodiments of the present disclosure. As shown in fig. 2, the method may include the following steps.

S202, receiving a credit evaluation request which is sent by the data acquisition device and carries a user identifier based on a report generation application.

Specifically, the report generation application refers to an application program in the credit generation device for generating a credit evaluation report. The credit evaluation requesting party can send a credit evaluation service request to the data acquisition device through any terminal equipment. The data acquisition device verifies whether a credit evaluation requester is legal or not based on the credit evaluation service request, and acquires user information of a credit evaluation user from the credit evaluation requester when the credit evaluation requester is judged to be legal, wherein the user information can comprise basic information such as name, birth date, user identification code, mobile phone number, home address and the like, and can also comprise basic information such as enterprise name, enterprise code, registration address, registration type, approval establishment mechanism, organization code and the like. The data acquisition device acquires the user identification from the user information and generates a credit evaluation request carrying the user identification based on the user identification. It should be noted that the user identifier refers to a unique identifier indicating the identity of the user, such as a user identification code, an enterprise code, and the like. It will be understood that user information refers to the underlying information of the credit assessed user including the user identification.

After the report generation device is started, the report generation application is started, so that the report generation application receives a credit evaluation request sent by the data acquisition device corresponding to the report generation device at irregular time. The credit evaluation request at least carries the user identification of the user to be credit evaluated.

And S204, acquiring the user information corresponding to the user identification.

Specifically, after receiving the credit evaluation request, the report generation apparatus first obtains the user identifier in the credit evaluation request, and then obtains the user information corresponding to the user identifier.

Optionally, the report generating device may read the user information corresponding to the user identifier in the storage module, or may request the data collecting device for the user information corresponding to the user identifier, which is not limited herein.

S206, requesting the credit data server for the user credit data corresponding to the user identification.

Specifically, the report generation device generates a credit data acquisition request based on the user identifier in the credit evaluation request, and sends the credit data acquisition request to the credit data server, wherein the credit data acquisition request may include the user identifier, device information (such as device identifier, etc.) of the report generation device. Alternatively, the report generating means may determine the transmission data transmission line based on the line condition between the report transmitting means and the credit data server, and then transmit the credit data acquisition request to the credit data server through the selected data transmission line.

The credit data server verifies whether the report generating device is legal based on the received credit data acquisition request, and may, for example, query whether a legal report generating device identifier consistent with the device identifier carried in the credit data acquisition request exists in a legal report generating device list. And if the report generating device is legal, the credit data server acquires user credit data matched with the user identification in a storage module of the credit data server based on the user identification in the credit data acquisition request, then encapsulates the acquired user credit data, and sends the encapsulated data packet to the report generating device corresponding to the credit data acquisition request through a special line.

The user credit data may refer to consumption data, transfer data, credit card repayment data, repayment data of the consumption loan and the like generated by various behaviors of the user.

And S208, generating a credit evaluation report based on the user information and the user credit data.

Specifically, the report generation device analyzes the user credit data of the credit evaluation user based on the user credit data packet after receiving the user credit data packet sent by the credit data server, then performs data processing, data integration and other processing on the user information and the user credit data through a report generation algorithm built in the report generation application, and generates a credit evaluation report based on the processed data.

Optionally, the report generating device may further generate the credit evaluation report by using a credit evaluation report template built in the report generating device, specifically, data integration is performed according to the data type required on the credit evaluation report module, and then the integrated data is sequentially filled into the credit evaluation report module to obtain the credit evaluation report.

In one or more embodiments of the present disclosure, by deploying the report generation device and the data collection device in the same physical environment, the data transmission time between the report generation device and the data collection device is reduced, then by acquiring the user information corresponding to the user identifier, the data request carrying the user identifier is directly sent to the credit data server, and then the user credit data corresponding to the user identifier is received, thereby reducing the amount of data transmitted between the credit data server and the report generation device, and improving the generation efficiency of the credit evaluation report. Meanwhile, the credit data server is connected with the report generating device through a special line, and the report generating device and the collecting device are arranged in the same physical environment, so that the encryption and decryption processes before and after data transmission are directly reduced, the effect of simplifying a credit evaluation flow is achieved, and the generation efficiency of a credit evaluation report is improved.

Referring to fig. 3, a flowchart of a report generation method is provided for one or more embodiments of the present disclosure. As shown in fig. 3, the method may include the following steps.

S302, the inputted institution contract information of the credit evaluation institution is acquired.

Specifically, the institution contract information is contract information of a credit evaluation institution to which the report generation device belongs, the institution contract information at least includes credit investigation license plate information of the credit evaluation institution, and it should be noted that the credit investigation license plate information is used to indicate that the credit evaluation institution is recognized as having credit investigation qualification by the relevant unit, and also to prove that credit investigation behavior of the credit evaluation institution is legal.

The report generation means acquires institution contract information of the credit evaluation institution input by a user of the credit evaluation institution.

Optionally, after the initial start of the report generating device, the report generating device displays an initialization interface, so as to input relevant information of the credit evaluation organization to which the report generating device belongs based on the initialization interface, and sets the data collecting device and the credit data server corresponding to the report generating device. The report generating device stores the received related information of the credit evaluation organization and the setting information in the storage module, wherein the related information of the credit evaluation organization may include an organization name, an organization identifier, credit investigation license plate information and the like, and the setting information may include a communication address of the data collecting device and a communication address of the credit data server, which is not limited herein.

And S304, sending the mechanism subscription information to the credit data server, wherein the mechanism subscription information is used for acquiring data reading permission from the credit data server.

Specifically, the report generation device generates a registration connection request of the report generation device based on the mechanism subscription information, and sends the registration connection request carrying the mechanism subscription information to the credit data server. After receiving the registration connection request, the credit data server analyzes mechanism contract information based on the registration connection request, verifies whether a credit evaluation mechanism to which the report generation device belongs is a legal credit investigation mechanism based on the mechanism contract information, and grants a data reading authority capable of reading credit data of the credit data server to the report generation device when the credit evaluation mechanism to which the report generation device belongs is judged to be the legal credit investigation mechanism.

Optionally, the credit data server may further send a prompt message indicating successful registration to the report generating device, and after receiving the prompt message indicating successful registration, the report generating device outputs the prompt message to notify a manager of the credit evaluation institution that the registration of the report generating device is completed.

In one or more embodiments of the present specification, the data reading authority granted by the credit data server for a legitimate device is acquired by sending the institution contract information of the credit evaluation institution to the credit data server to cause the credit data server to verify the legitimacy of the report generating device based on the institution contract information. The problem of information leakage caused by reading data stored in the information data server out of order is solved, the privacy of all users recorded with credit investigation behaviors is protected, and the data security of credit data is improved.

S306, based on the report, generating application receives the credit evaluation request carrying the user identification sent by the data acquisition device.

S308, if the user information corresponding to the user identification exists in the storage module, the user information is obtained in the storage module.

Specifically, the storage module refers to a storage medium used by the report generating device for data storage, and specifically, the storage module may be a storage medium disposed in the report generating device, or may be an external memory independent of the report generating device, and the external memory is connected to the report generating device to ensure that the report generating device can read the storage data in the external memory. For example, the storage module may store institution information of a credit evaluation institution to which the report generation apparatus belongs, a system configuration of the report generation apparatus, user information received by the report generation apparatus, and the like.

The report generation device obtains the user identification in the credit evaluation request after receiving the credit evaluation request carrying the user identification, then searches a target user identification consistent with the user identification in the storage module, and then obtains target user information stored in association with the target user identification, so as to obtain user information corresponding to the user identification.

And S310, if the user information corresponding to the user identification does not exist in the storage module, acquiring the user information corresponding to the user identification from the data acquisition device, and storing the user information into the storage module.

Specifically, if the report generation device cannot find a target user identifier consistent with the user identifier in the storage module, it is determined that user information corresponding to the user identifier does not exist in the storage module, then a user information acquisition request is generated based on the user identifier, and the user information acquisition request is returned to the data acquisition device that sent the credit evaluation request. And when the data acquisition device receives the user information acquisition request, packaging the user information corresponding to the user identification into a user information data packet, and sending the user information data packet to the report generation device. The report generating device analyzes the received user information data packet to obtain user information corresponding to the user identifier, and the obtained user information can be stored in the storage module in a correlation mode. It should be noted that the obtained user information necessarily includes the user identifier.

Optionally, when the data collecting device collects the user information of the user to be credit-evaluated and detects that the user information is changed, the data collecting device packages the user information into the credit evaluation request at the same time, and prompts the report generating device to update the user information of the user to be credit-evaluated. The data acquisition device determines whether the user information of the credit-assessed user is changed based on the user information base stored in the data acquisition device.

In one or more embodiments of the present disclosure, by storing the user information in the storage module, when the credit evaluation mechanism performs credit evaluation on the user again, the subsequent credit evaluation mechanism can be completed only by transmitting the user identifier, so that the data amount transmitted between the data acquisition device and the report generation device is reduced, and the generation efficiency of the credit evaluation report is improved. Meanwhile, when the user information corresponding to the user identification does not exist, the user information is requested to the data acquisition device, so that the reliability of the report generation device in acquiring the user information is ensured, and the reliability of the generation process of the credit evaluation report is improved.

S312, obtaining the user identification and credit data condition carried by the credit evaluation request.

Specifically, the credit evaluation request may include, in addition to the user identifier of the user to be credit evaluated, a credit data condition of credit data required to be used for generating the credit evaluation data report, where it is to be noted that the credit data condition refers to a screening condition of credit data, that is, the credit data acquired by the credit data server needs to satisfy the credit data condition, and the credit data condition may be a time period, a credit data source, and the like. Illustratively, the credit data condition is set as the credit data of the last year to obtain a credit evaluation report which can best represent the credit status of the credit evaluated user; and setting the credit data condition as credit data generated by banks in each country to obtain the most authoritative credit evaluation report.

The report generating device analyzes the credit evaluation request after receiving the credit evaluation request to obtain the user identification and the credit data condition in the credit evaluation request, and then generates a credit data obtaining request according to the obtained user identification and the credit data condition.

S314, sending the user identifier and the credit data condition to the credit data server.

Specifically, the report generation device sends a credit data acquisition request to the credit data server, where the credit data acquisition request includes at least a user identifier, device information (such as a device identifier, etc.) of the report generation device, and a credit data condition. Alternatively, the report generating means may determine the transmission data transmission line based on the line condition between the report transmitting means and the credit data server, and then transmit the credit data acquisition request to the credit data server through the selected data transmission line.

S316, user credit data which is returned by the credit data server and matched with the user identification and the credit data condition is obtained.

Specifically, the credit data server verifies whether the report generating device is legal based on the received credit data acquisition request, and may, for example, query whether a legal report generating device identifier that is consistent with the device identifier carried in the credit data acquisition request exists in a legal report generating device list. And if the report generating device is legal, the credit data server acquires user credit data which is matched with the user identification and meets the credit data condition in a storage module of the credit data server based on the user identification and the credit data condition in the credit data acquiring request, then encapsulates the acquired user credit data, and sends the encapsulated data packet to the report generating device corresponding to the credit data acquiring request through a special line. The user credit data may refer to consumption data, transfer data, credit card repayment data, repayment data of the consumption loan and the like generated by various behaviors of the user.

In one or more embodiments of the present specification, the applicability of the report generating apparatus is improved by setting a credit data condition to acquire credit data satisfying the credit data condition in the credit data server, thereby restricting the original data for generating the credit evaluation report to satisfy different needs of the credit evaluation requester.

And S318, generating a credit evaluation report based on the user information and the user credit data by adopting a set credit evaluation report template.

Specifically, the credit evaluation report template is used to indicate the processing data required for generating the credit evaluation report, the layout position of each processing data on the credit evaluation report, and the like. For example, the credit evaluation reporting module may be a credit evaluation reporting template for a business, including basic business information, aggregate assets, aggregate liabilities, aggregate business data, aggregate profits, and aggregate net profits; the credit evaluation report module can also be a credit evaluation report template aiming at individuals, and comprises personal basic information, work information, asset aggregate, liability aggregate, credit consumption overdue record and the like.

The report generating device determines the user type according to the received user identification, acquires a credit evaluation report module corresponding to the user type, processes the received credit data according to the credit report data required by the acquired credit evaluation report module to obtain the credit report data meeting the credit evaluation report module, and generates a credit evaluation report based on the typesetting position of each credit report data on the credit evaluation report.

Alternatively, the credit evaluation report template may be a credit evaluation report template for the credit evaluation requester, i.e. different credit evaluation requesters use different credit evaluation report templates and then perform the credit report generation process as described above, which is not limited herein.

In one or more embodiments of the present specification, the credit data is processed for the credit evaluation reporting module by setting different credit evaluation reporting templates, so as to meet different requirements of the credit evaluation requesting party, and the applicability of the report generating device is improved.

Referring to fig. 4, a flowchart of a report generation method is provided for one or more embodiments of the present disclosure. As shown in fig. 4, the method may include the following steps.

S402, if the existence of the version updating information is monitored, an updating data packet corresponding to the version updating information is obtained.

Specifically, the version update information is update information for the report generation application. The credit evaluation service provider may publish version update information of the report generation application on the credit data server, and upload an update data packet corresponding to the version update information to the credit data server.

The report generating device detects whether the credit data server has version updating information of the report generating device at regular time, if the version updating information exists, the version number corresponding to the version updating information is obtained, and whether the credit data server enters a version updating program is judged based on the version number corresponding to the version updating information and the current version number of the report generating application. For example, if the version number corresponding to the version update information is greater than the current version number of the report generation application, the version of the report generation application corresponding to the version update information is determined to be higher than the current version of the report generation application of the report generation device, and then the version update program is entered. Specifically, the report generation device acquires the update data packet corresponding to the version update information from the credit data server in a data download manner. The update package may be a Software Development Kit (SDK), and may be used to repair application bugs, add or delete application functions, optimize application functions, and the like.

Optionally, before downloading the update packet, the report generating device may further determine whether the report generating device is in an operating state, for example, a credit evaluation process is being executed, and if the report generating device is in a non-operating state, execute a version update process of the report generating application; and if the report generating device is in the working state, continuously waiting until the report generating device finishes working and is switched to the non-working state, and then executing the version updating process of the report generating application.

S404, calling the update data packet to update the report generation application.

Specifically, the report generation device parses the update data package after acquiring the update data package, and then calls the update data package to perform report generation application upgrade based on an automatic upgrade program in the update data package.

In one or more embodiments of the present disclosure, by monitoring whether version update information of a report generation application exists, and performing version update on the report generation application after the version update information is monitored, an effect of optimizing the report generation application is achieved, so that generation efficiency of a credit evaluation report of a report generation apparatus is improved.

Referring to fig. 5, a flow diagram of a report generation method is provided for one or more embodiments of the present disclosure. As shown in fig. 5, the method applied to the report generating apparatus may include the following steps S1 to S10.

S1, acquiring a registration authority;

and applying for registration authority to the credit evaluation organization so that the credit evaluation organization can review the report generation device based on the application information, such as qualification review, privacy authority review and the like, and after the review is passed, granting the registration authority to the report generation device and simultaneously sending/inputting organization information including organization contract information of the credit evaluation organization to the report generation device.

It should be noted that the report generation device may register the credit evaluation organization with the credit data server after acquiring the registration authority granted by the credit evaluation organization.

S2, registering a credit evaluation organization;

the mechanism contract information of the credit evaluation mechanism to which the report generating device belongs is acquired, and then the mechanism contract information is sent to the credit data server, so that the credit evaluation mechanism to which the report generating device belongs is registered on the credit data server, and the credit data server grants the credit data reading authority to the report generating device.

S3, starting credit evaluation;

and when a credit evaluation request sent by a data acquisition server in the same physical environment is received, starting a credit evaluation flow aiming at the user identification based on the user identification carried by the credit evaluation request.

S4, whether user information is stored;

detecting whether a storage module in the report generating device stores user information corresponding to the user identifier, and if the storage module stores the user information corresponding to the user identifier, executing S4; if the user information corresponding to the user identifier is not stored, S5 is executed.

S5, reading user information;

and reading user information corresponding to the user identification in the storage module.

S6, requesting user information from the data acquisition server;

and requesting the data acquisition server in the same physical environment for user information corresponding to the user identification, and receiving the user information corresponding to the user identification sent by the data acquisition server.

S7, acquiring credit data conditions;

and analyzing the received credit evaluation request to acquire the credit data condition set by the credit evaluation requesting party.

S8, acquiring user credit data;

and requesting the credit data server for the user credit data corresponding to the user identification and meeting the credit data condition, and receiving the user credit data sent by the credit data server.

S9, acquiring a credit evaluation report template;

and analyzing the received credit evaluation request to evaluate the credit evaluation report module adopted by the requester.

And S10, generating a credit evaluation report.

And performing data processing on the acquired user information and the received user credit data according to a credit evaluation report module to generate a credit evaluation report.

The report generating apparatus provided in one or more embodiments of the present disclosure will be described in detail below with reference to fig. 6 to 7. It should be noted that, fig. 6 to 7 show report generating devices for executing the methods of the embodiments shown in fig. 2 to 5 in one or more embodiments of the present disclosure, for convenience of description, only the portions related to one or more embodiments of the present disclosure are shown, and details of the specific technology are not disclosed, please refer to the embodiments shown in fig. 2 to 5 in one or more embodiments of the present disclosure.

Referring to fig. 6, a schematic structural diagram of a report generation apparatus is provided for one or more embodiments of the present disclosure. As shown in fig. 5, the report generating apparatus 1 according to one or more embodiments of the present specification may include: the device comprises a receiving module 11, an obtaining module 12, a requesting module 13 and a generating module 14.

A receiving module 11, configured to receive, based on a report generation application, a credit evaluation request carrying a user identifier sent by the data acquisition device;

an obtaining module 12, configured to obtain user information corresponding to the user identifier;

a request module 13, configured to request, from the credit data server, user credit data corresponding to the user identifier;

a generating module 14, configured to generate a credit evaluation report based on the user information and the user credit data.

Optionally, referring to fig. 7, a schematic structural diagram of a report generating device is provided for one or more embodiments of the present specification. As shown in fig. 7, the report generating apparatus 1 according to one or more embodiments of the present specification may further include: a rights module 15.

The permission module 15 is specifically configured to:

acquiring the inputted mechanism subscription information of the credit evaluation mechanism;

and sending the mechanism signing information to the credit data server, wherein the mechanism signing information is used for acquiring data reading permission from the credit data server.

Optionally, the obtaining module 12 is specifically configured to:

if the user information corresponding to the user identification exists in the storage module, acquiring the user information in the storage module;

and if the user information corresponding to the user identification does not exist in the storage module, acquiring the user information corresponding to the user identification from the data acquisition device, and storing the user information into the storage module.

Optionally, the request module 13 is specifically configured to:

acquiring a user identifier and a credit data condition carried by the credit evaluation request;

sending the user identification and the credit data condition to the credit data server;

and acquiring user credit data which is returned by the credit data server and matched with the user identification and the credit data condition.

Optionally, the generating module 14 is specifically configured to:

and generating a credit evaluation report based on the user information and the user credit data by adopting a set credit evaluation report template.

Optionally, referring to fig. 7, a schematic structural diagram of a report generating device is provided for one or more embodiments of the present specification. As shown in fig. 7, the report generating apparatus 1 according to one or more embodiments of the present specification may further include: the module 16 is updated.

The update module 16 is specifically configured to:

if the version updating information is monitored to exist, acquiring an updating data packet corresponding to the version updating information;

and calling the update data packet to update the report generation application.

One or more embodiments of the present specification further provide a storage medium, where the storage medium may store a plurality of program instructions, where the program instructions are suitable for being loaded by a processor and executing the method steps in the embodiments shown in fig. 2 to fig. 5, and a specific execution process may refer to specific descriptions of the embodiments shown in fig. 2 to fig. 5, which is not described herein again.

One or more embodiments of the present specification further provide a computer program product, where at least one instruction is stored, where the at least one instruction is loaded by the processor and executes the report generating method according to the embodiment shown in fig. 2 to 5, and a specific execution process may refer to specific descriptions of the embodiment shown in fig. 2 to 5, which is not described herein again.

Referring to fig. 8, a block diagram of an electronic device provided in an exemplary embodiment of one or more embodiments of the disclosure is shown. An electronic device in one or more embodiments of the present description may include one or more of the following components: a processor 110, a memory 120, an input device 130, an output device 140, and a bus 150. The processor 110, memory 120, input device 130, and output device 140 may be connected by a bus 150.

Processor 110 may include one or more processing cores. The processor 110 connects various parts within the overall electronic device using various interfaces and lines, and performs various functions of the electronic device 100 and processes data by executing or executing instructions, programs, code sets, or instruction sets stored in the memory 120 and calling data stored in the memory 120. Alternatively, the processor 110 may be implemented in hardware using at least one of Digital Signal Processing (DSP), field-programmable gate Array (FPGA), and Programmable Logic Array (PLA). The processor 110 may integrate one or more of a Central Processing Unit (CPU), a Graphics Processing Unit (GPU), a modem, and the like. Wherein, the CPU mainly processes an operating system, a user interface, an application program and the like; the GPU is used for rendering and drawing display content; the modem is used to handle wireless communications. It is understood that the modem may not be integrated into the processor 110, but may be implemented by a communication chip.

The Memory 120 may include a Random Access Memory (RAM) or a read-only Memory (ROM). Optionally, the memory 120 includes a non-transitory computer-readable medium. The memory 120 may be used to store instructions, programs, code sets, or instruction sets. The memory 120 may include a program storage area and a data storage area, wherein the program storage area may store instructions for implementing an operating system, instructions for implementing at least one function (such as a touch function, a sound playing function, an image playing function, etc.), instructions for implementing various method embodiments described below, and the like, and the operating system may be an Android (Android) system, including a system based on Android system depth development, an IOS system developed by apple, including a system based on IOS system depth development, or other systems. The data storage area can also store data created by the electronic equipment in use, such as a phone book, audio and video data, chatting record data and the like.

Referring to fig. 9, the memory 120 may be divided into an operating system space, in which an operating system runs, and a user space, in which native and third-party applications run. In order to ensure that different third-party application programs can achieve a better operation effect, the operating system allocates corresponding system resources for the different third-party application programs. However, the requirements of different application scenarios in the same third-party application program on system resources are different, for example, in a local resource loading scenario, the third-party application program has a higher requirement on the disk reading speed; in the animation rendering scene, the third-party application program has a high requirement on the performance of the GPU. The operating system and the third-party application program are independent from each other, and the operating system cannot sense the current application scene of the third-party application program in time, so that the operating system cannot perform targeted system resource adaptation according to the specific application scene of the third-party application program.

In order to enable the operating system to distinguish a specific application scenario of the third-party application program, data communication between the third-party application program and the operating system needs to be opened, so that the operating system can acquire current scenario information of the third-party application program at any time, and further perform targeted system resource adaptation based on the current scenario.

Taking an operating system as an Android system as an example, programs and data stored in the memory 120 are as shown in fig. 10, and a Linux kernel layer 320, a system runtime library layer 340, an application framework layer 360, and an application layer 380 may be stored in the memory 120, where the Linux kernel layer 320, the system runtime library layer 340, and the application framework layer 360 belong to an operating system space, and the application layer 380 belongs to a user space. The Linux kernel layer 320 provides underlying drivers for various hardware of the electronic device, such as a display driver, an audio driver, a camera driver, a bluetooth driver, a Wi-Fi driver, power management, and the like. The system runtime library layer 340 provides a main feature support for the Android system through some C/C + + libraries. For example, the SQLite library provides support for a database, the OpenGL/ES library provides support for 3D drawing, the Webkit library provides support for a browser kernel, and the like. Also provided in the system runtime library layer 340 is an Android runtime library (Android runtime), which mainly provides some core libraries that can allow developers to write Android applications using the Java language. The application framework layer 360 provides various APIs that may be used in building an application, and developers may build their own applications by using these APIs, such as activity management, window management, view management, notification management, content provider, package management, session management, resource management, and location management. At least one application program runs in the application layer 380, and the application programs may be native application programs carried by the operating system, such as a contact program, a short message program, a clock program, a camera application, and the like; or a third-party application developed by a third-party developer, such as a game application, an instant messaging program, a photo beautification program, a wallpaper setting program, and the like.

Taking an operating system as an IOS system as an example, programs and data stored in the memory 120 are shown in fig. 11, and the IOS system includes: a Core operating system Layer 420(Core OS Layer), a Core Services Layer 440(Core Services Layer), a Media Layer 460(Media Layer), and a touchable Layer 480(Cocoa Touch Layer). The kernel operating system layer 420 includes an operating system kernel, drivers, and underlying program frameworks that provide functionality closer to hardware for use by program frameworks located in the core services layer 440. The core services layer 440 provides system services and/or program frameworks, such as a Foundation framework, an account framework, an advertisement framework, a data storage framework, a network connection framework, a geographic location framework, a motion framework, and so forth, as required by the application. The media layer 460 provides audiovisual related interfaces for applications, such as graphics image related interfaces, audio technology related interfaces, video technology related interfaces, audio video transmission technology wireless playback (AirPlay) interfaces, and the like. Touchable layer 480 provides various common interface-related frameworks for application development, and touchable layer 480 is responsible for user touch interaction operations on the electronic device. Such as a local notification service, a remote push service, an advertising framework, a game tool framework, a messaging User Interface (UI) framework, a User Interface UIKit framework, a map framework, and so forth.

In the framework illustrated in FIG. 11, the framework associated with most applications includes, but is not limited to: a base framework in the core services layer 440 and a UIKit framework in the touchable layer 480. The base framework provides many basic object classes and data types, provides the most basic system services for all applications, and is UI independent. While the class provided by the UIKit framework is a basic library of UI classes for creating touch-based user interfaces, iOS applications can provide UIs based on the UIKit framework, so it provides an infrastructure for applications for building user interfaces, drawing, processing and user interaction events, responding to gestures, and the like.

The Android system may be referred to as a manner and principle for implementing data communication between the third-party application program and the operating system in the IOS system, and details of one or more embodiments of the present specification are not repeated herein.

The input device 130 is used for receiving input instructions or data, and the input device 130 includes, but is not limited to, a keyboard, a mouse, a camera, a microphone, or a touch device. The output device 140 is used for outputting instructions or data, and the output device 140 includes, but is not limited to, a display device, a speaker, and the like. In one example, the input device 130 and the output device 140 may be combined, and the input device 130 and the output device 140 are touch display screens for receiving touch operations of a user on or near the touch display screens by using any suitable object such as a finger, a touch pen, and the like, and displaying user interfaces of various applications. Touch displays are typically provided on the front panel of an electronic device. The touch display screen may be designed as a full-face screen, a curved screen, or a profiled screen. The touch display screen may also be designed as a combination of a full-screen and a curved screen, and a combination of a non-circular screen and a curved screen, which is not limited in one or more embodiments of the present disclosure.

In addition, those skilled in the art will appreciate that the configurations of the electronic devices illustrated in the above-described figures do not constitute limitations on the electronic devices, which may include more or fewer components than illustrated, or some components may be combined, or a different arrangement of components. For example, the electronic device further includes a radio frequency circuit, an input unit, a sensor, an audio circuit, a Wi-Fi module, a power supply, a bluetooth module, and other components, which are not described herein again.

In one or more embodiments of the present specification, the execution subject of each step may be the electronic device described above. Optionally, the execution subject of each step is an operating system of the electronic device. The operating system may be an android system, an IOS system, or another operating system, which is not limited in one or more embodiments of the present specification.

The electronic device of one or more embodiments of the present specification may further include a display device, where the display device may be any device capable of implementing a display function, for example: a cathode ray tube display (CR), a light-emitting diode display (LED), an electronic ink panel, a Liquid Crystal Display (LCD), a Plasma Display Panel (PDP), and the like. A user may utilize a display device on the electronic device 101 to view information such as displayed text, images, video, and the like. The electronic device may be a smartphone, a tablet computer, a gaming device, an AR (Augmented Reality) device, an automobile, a data storage device, an audio playback device, a video playback device, a notebook, a desktop computing device, a wearable device such as an electronic watch, an electronic glasses, an electronic helmet, an electronic bracelet, an electronic necklace, an electronic garment, or the like.

In the electronic device shown in fig. 8, the processor 110 may be configured to call the report generation program stored in the memory 120, and specifically perform the following operations:

acquiring user information corresponding to the user identification;

Optionally, before executing the credit evaluation request carrying the user identifier and sent by the data acquisition device based on the report generation application, the processor 110 further executes the following operations:

Optionally, when executing to acquire the user information corresponding to the user identifier, the processor 110 specifically executes the following operations:

Optionally, when the processor 110 executes the request for the user credit data corresponding to the user identifier from the credit data server, the following operation is specifically executed:

Optionally, when the processor 110 generates the credit evaluation report based on the user information and the user credit data, the following operations are specifically performed:

Optionally, the processor 110 may be configured to call the report generation program stored in the memory 120, and specifically perform the following operations:

and calling the update data packet to update the report generation application.

It should be noted that, for simplicity and convenience of description, the foregoing method embodiments are described as a series of acts, but it should be understood by those skilled in the art that one or more of the embodiments of the present disclosure are not limited by the order of acts described, as some steps may occur in other orders or concurrently with other steps in accordance with one or more embodiments of the present disclosure. Further, those skilled in the art will recognize that the embodiments described in this specification are preferred embodiments and that the acts and modules referred to are not necessarily required in any one or more embodiments of the specification.

In the above embodiments, the descriptions of the respective embodiments have respective emphasis, and for parts that are not described in detail in a certain embodiment, reference may be made to related descriptions of other embodiments.

In the above description, for the report generation method, the report generation apparatus, the storage medium and the device provided in one or more embodiments of the present specification, for those skilled in the art, there may be variations in the specific implementation and application scope according to the ideas of one or more embodiments of the present specification, and in summary, the content of the present specification should not be construed as limiting the one or more embodiments of the present specification.

Claims

1. A report generation method is applied to a report generation device in a credit evaluation system, the credit evaluation system further comprises a data acquisition device and a credit data server, the report generation device is respectively connected with the data acquisition device and the credit data server in a communication mode, the report generation device and the data acquisition device are deployed in the same physical environment, and the method comprises the following steps:

acquiring user information corresponding to the user identification;

2. The method of claim 1, before the receiving, by the report generation application, the credit evaluation request carrying the user identifier sent by the data acquisition device, further comprising:

3. The method of claim 1, wherein the obtaining user information corresponding to the user identifier comprises:

4. The method of claim 1, the requesting credit data of the user corresponding to the user identification from a credit data server, comprising:

5. The method of claim 1, the generating a credit evaluation report based on the user information and the user credit data, comprising:

6. The method of claim 1, further comprising:

and calling the update data packet to update the report generation application.

7. The method of claim 1, the report generating device being connected to the credit data server by a dedicated line.

8. A report generating apparatus comprising:

9. A storage medium having stored thereon a computer program which, when executed by a processor, implements a report generation method as claimed in any one of claims 1 to 7.

10. A computer device, comprising: a processor and a memory; wherein the memory stores a computer program adapted to be loaded by the processor and to perform the steps of the report generating method according to any of claims 1-7.